Are you drained from sacrificing other expenses to pay high auto insurance rates every month? Your situation is no different than most other vehicle owners in Washington.
A recent study showed that most consumers in Washington kept their coverage with the same auto insurance company for over three years, and about 40% of consumers have never even shopped around for lower-cost coverage. Consumers in America could save up to 47% every year by just comparing rate quotes, but they don’t believe how much money they would save if they switched.
There are many car insurance companies to choose from, and even though it’s nice to be able to choose, it makes it harder to locate the cheapest rates for Nissan Armada insurance in Seattle.
Consumers should take time to do price comparisons quite often due to the fact that insurance prices are variable and change quite frequently. Just because you had the lowest rates on Nissan Armada insurance in Seattle on your last policy there is a good chance you can find better premium rates now. You can find a lot of information about Armada insurance on the internet, but in just a couple of minutes you can learn the easiest ways to quit paying high auto insurance rates in Seattle.
Buying the cheapest auto insurance in Seattle seems hard but is not really that difficult. Essentially everyone who shops around for auto insurance most likely will find better rates. Although Washington car owners must comprehend the way companies market insurance on the web because rates fluctuate considerably.
These discounts can reduce Nissan Armada insurance rates
Some providers do not list all available discounts very well, so we researched a few of the more well known as well as some of the hidden ways to save on insurance. If you are not receiving all the discounts you deserve, you’re just leaving money on the table.
- Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a lower rate if you buy some life insurance too.
- Theft Deterrent System – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and will qualify for a discount on a Seattle car insurance quote.
- No Claim Discounts – Drivers who don’t have accidents can save substantially as compared to bad drivers.
- Discount for Good Grades – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
- Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for lower premium rates.
- Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
- Defensive Driver Discount – Participating in a safe driver course could possibly earn you a 5% discount if your company offers it.
- First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies allow you one accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
A quick disclaimer, most discounts do not apply to all coverage premiums. Most cut specific coverage prices like medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will help lower the amount you pay for coverage.
Insurance companies that may offer quotes with some of the discounts shown above may include but are not limited to:
If you want low cost Seattle car insurance quotes, ask every insurance company what discounts are available to you. A few discounts might not be available to policyholders in every state.
Where can I get affordable Seattle Nissan Armada insurance?
Most of the larger companies make it easy to get coverage price quotes from their websites. Comparing Nissan Armada insurance rates online is very simple as you simply enter your personal and coverage information as requested by the quote form. When the form is submitted, the quote system automatically retrieves your driving and credit reports and returns a price quote. Being able to quote online for Nissan Armada insurance in Seattle makes comparing rates easy, and it is imperative to do this if you want to find cheap prices.
To quickly use this form to compare rates, take a look at the companies shown below. To compare your current rates, we recommend you input coverages and limits as shown on your current policy. This helps ensure you will have a price comparison for exact coverage.
The companies in the list below are our best choices to provide price quotes in Washington. If several companies are displayed, we suggest you visit two to three different companies to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $258 | $384 | $250 | $14 | $76 | $982 | $82 |
| Armada SE 4WD | $180 | $358 | $264 | $16 | $78 | $896 | $75 |
| Armada Titanium 2WD | $234 | $416 | $258 | $16 | $78 | $1,002 | $84 |
| Armada Titanium 4WD | $182 | $284 | $328 | $20 | $98 | $912 | $76 |
| Armada Platinum 2WD | $136 | $294 | $284 | $16 | $84 | $814 | $68 |
| Armada Platinum 4WD | $220 | $376 | $236 | $14 | $70 | $916 | $76 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price information does not factor in garaging location in Seattle which can alter coverage prices considerably.
Deductible comparison
When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The tables below summarize the price difference when you select higher and lower coverage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $286 | $458 | $250 | $14 | $76 | $1,109 | $92 |
| Armada SE 4WD | $286 | $540 | $250 | $14 | $76 | $1,191 | $99 |
| Armada Titanium 2WD | $286 | $540 | $250 | $14 | $76 | $1,191 | $99 |
| Armada Titanium 4WD | $286 | $540 | $250 | $14 | $76 | $1,191 | $99 |
| Armada Platinum 2WD | $286 | $540 | $250 | $14 | $76 | $1,191 | $99 |
| Armada Platinum 4WD | $318 | $540 | $250 | $14 | $76 | $1,223 | $102 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $158 | $242 | $250 | $14 | $76 | $740 | $62 |
| Armada SE 4WD | $158 | $284 | $250 | $14 | $76 | $782 | $65 |
| Armada Titanium 2WD | $158 | $284 | $250 | $14 | $76 | $782 | $65 |
| Armada Titanium 4WD | $158 | $284 | $250 | $14 | $76 | $782 | $65 |
| Armada Platinum 2WD | $158 | $284 | $250 | $14 | $76 | $782 | $65 |
| Armada Platinum 4WD | $176 | $284 | $250 | $14 | $76 | $800 | $67 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in vehicle garaging location which can change coverage prices significantly.
Based on the data above, we can derive that using a $100 deductible will cost you about $33 more each month or $396 annually than requesting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 27 months between claims, you would probably come out ahead by going with a higher deductible. Here is how you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $98 |
| Average monthly premium for $1,000 deductibles (subtract): | – $65 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
Nissan Armada insurance costs by age and gender
The chart below compares Nissan Armada auto insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, single marital status, and no discounts are taken into consideration.
Analysis of deductible levels
The information below shows how choosing a deductible and can raise or lower Nissan Armada insurance premiums for different age groups. The prices are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Local agents and insurance
Many people prefer to sit down with an agent and we recommend doing that The best thing about comparing rate quotes online is that you can find the lowest rates and still have an agent to talk to.
To make it easy to find an agent, after completing this short form, the quote information is instantly submitted to insurance agents in Seattle who will give you quotes and help you find cheaper coverage. It’s much easier because you don’t need to contact any agents due to the fact that quote results will go to the email address you provide. You’ll get the best rates without requiring a lot of work. If for some reason you want to get a rate quote from one company in particular, just visit that company’s website and give them your coverage information.
Picking the best company is decision based upon more than just the premium amount. The answers to these questions are important, too.
- Can you contact them at any time?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they have 24-hour customer assistance?
- Is every driver in your family covered?
- Which companies can they place coverage with?
- What company do they have the most business with?
- Which companies do they recommend if they are an independent agency?
Not all car insurance agents are the same
If you prefer to buy insurance from local Seattle agents, it can be helpful to understand the different types of agencies to choose from. Agents are either independent or exclusive depending on the company they work for.
Exclusive Agencies
Agents in the exclusive channel can only quote rates from one company and some examples include State Farm or Allstate. Exclusive agents cannot give you multiple price quotes so always compare other rates. They are well trained on what they offer which helps them sell on service rather than price.
Listed below is a list of exclusive insurance agents in Seattle that are able to give price quotes.
State Farm: Karrie Dubose
1530 Westlake Ave N Suite 100 – Seattle, WA 98109 – (206) 971-5400 – View Map
Dave Newman – State Farm Insurance Agent
3435 California Ave SW – Seattle, WA 98116 – (206) 932-1878 – View Map
Charles Cohen – State Farm Insurance Agent
9750 Greenwood Ave N #104 – Seattle, WA 98103 – (206) 784-5151 – View Map
Independent Agents (or Brokers)
Independent agencies are not locked into one company so they can insure your vehicles with lots of companies and find you the best rates. If they quote lower rates, your policy is moved internally and you don’t have to find a new agent. When comparing insurance prices, you will definitely want to get several quotes from independent agents so that you have a good selection of quotes to compare.
Listed below is a list of independent agents in Seattle that can give you rate quotes.
Magnolia Insurance Agency, Inc.
3424 W McGraw St – Seattle, WA 98199 – (206) 284-4886 – View Map
Sav-On Insurance
9614 17th Ave SW – Seattle, WA 98106 – (206) 767-7444 – View Map
Gurry and Rogers Insurance Inc
1200 5th Ave #1825 – Seattle, WA 98101 – (206) 621-6444 – View Map
If you get positive responses to these questions as well as a affordable price, it’s possible that you found an insurance agent that meets the criteria to insure your vehicles. It’s important to know that you have the power to cancel your policy any time you want so never feel that you are obligated to a policy for any length of time.
Frequent quotes can save
The cheapest Nissan Armada insurance in Seattle is available from both online companies and also from your neighborhood Seattle agents, so get free Seattle car insurance quotes from both of them in order to have the best price selection to choose from. There are still a few companies who may not provide internet price quotes and most of the time these small insurance companies sell through independent agents.
When you buy Seattle car insurance online, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
More tips and info about insurance can be found at these sites:
- Side Impact Crash Tests (iihs.org)
- How Much are Seattle Car Insurance Rates for 19 Year Olds? (FAQ)
- Who Has Cheap Seattle Auto Insurance for a Dodge Grand Caravan? (FAQ)
- How Much are Seattle Auto Insurance Quotes for College Students? (FAQ)
- Who Has Cheap Car Insurance Rates for Teachers in Seattle? (FAQ)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)
- Senior Drivers (Insurance Information Institute)